Coverage of Ambulatory PT Services by a Major Private National Health Insurance Company Nationwide.
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Authors
Ballard, Andrew
Hahn, Lee
Lehman, Jedd
Sandstrom, Robert
Issue Date
2012-03-28
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Generic
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Abstract
The extent and type of insurance funding is important to support the practice of physical therapy. This study describes the physical therapy benefit in individual market BCBS insurance plans. A survey of least expensive, midrange and most expensive BCBS insurance plans for a fictitious 55 year old male living in a state capital for each state was performed. 128 of 149 plans covered physical therapy. In 70% of plans, physical therapy was part of a combined rehabilitation benefit. A minority of plans placed a visit (45%) or cost (20%) limit on OP PT. The study provides a useful baseline to describe the robustness of the physical therapy benefit in the individual insurance market.
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Publisher
Creighton University